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Home / Pets / Pet Insurance / Nationwide Pet Insurance
7.6 Tested Aug 20, 2026 by Team RankingRight

Nationwide Pet Insurance (Whole Pet with Wellness / Avian & Exotic) review 2026

The only major US insurer that covers birds, reptiles and small mammals — and one of the few whose top plan includes wellness in the same policy

PriceFrom $62 · checked Sep 11, 2026
Labrador, age 262 $/mo
Cat, age 331 $/mo

Is the Nationwide Pet Insurance Worth It?

Only real option for exotic pets. If you own a parrot, a bearded dragon or a rabbit, this is effectively the only ranking entry available to you, and it is a solid one. For dogs and cats it is expensive and reimburses less.

Nationwide Pet Insurance Pros & Cons

Pros
  • Covers birds, rabbits, reptiles, ferrets and other exotics — almost nobody else does
  • Whole Pet with Wellness rolls routine care into one policy
  • Backed by one of the largest US insurers
  • Employer group discounts are common
Cons
  • Reimbursement caps at 70% on most plans
  • Priciest dog and cat quotes after Trupanion
  • Underwriting and plan availability vary a lot by state

Nationwide Pet Insurance at a Glance

7.6 Editor Score
What is coveredAccidents, illness, hereditary and congenital conditions, dental disease, behavioural therapy, prescription food, exam fees — read from the policy, not the marketing page.
25/30
Limits & exclusionsAnnual or per-condition payout caps, age limits, waiting periods, how a pre-existing condition is defined and whether curable ones can be reinstated.
16/20
PriceMonthly premium for our four test pets at 80% reimbursement with a $500 deductible, and how much the premium rises with age.
10/20
Claims & payoutHow claims are filed, published processing times, direct payment to the vet, and complaint volume in state insurance filings.
15/20
Wellness & extrasOptional wellness plans, 24/7 vet lines, multi-pet discounts, deductible that shrinks in claim-free years.
10/10
Reader ratingNo reader ratings yet — not part of the score
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Own one? Rate it:

Rubric v1: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Nationwide — $62

Best priceVisit Site

Nationwide Pet Insurance specifications

Our quote: 2-year-old Labrador62 USD/mo
Our quote: 3-year-old domestic cat31 USD/mo
Reimbursement options50–70%
Deductible options$250–$1,000
Unlimited annual payoutNo ($10k typical)
Waiting periods14 days
Exam fees coveredYes on Whole Pet
Dental illnessYes on Whole Pet
Direct vet paymentNo
Wellness add-onYes, built into Whole Pet with Wellness
Upper age limitNone for most plans

Why it scored 7.6

If you own a parrot, a bearded dragon or a rabbit, this is effectively the only ranking entry available to you, and it is a solid one. For dogs and cats it is expensive and reimburses less.

Where it loses

Reimbursement rate; price.

Still the right pick for

Exotic pet owners and Nationwide employees.

Changelog: Sep 11 — rank 7 → 8 · all changes

Nationwide Pet Insurance7.6 · $62
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